Investor – Hawaii or California Property Cash Flow Loan

The Property Cash Flow loan qualification is determined based on a debt coverage ratio, or DCR, with borrowers qualifying based on cash flows from the subject property. Pacific Home Loans offers this program throughout Hawaii on the islands of Oahu, Maui, Kauai and the Big Island of Hawaii, as well as the entire state of California.

Pacific Home Loans’ Hawaii Property Cash Flow Loan is for experienced real estate investors who are purchasing or refinancing investment properties.

Program Highlights:

Employment and income not disclosed on the loan application

Debt to Income ratio not calculated

Loan qualification based on the cash flow of the subject property (Debt Coverage Ratio)

Borrowers may own an unlimited number of financed properties

Credit score as low as 680

Maximum LTV 80%

Cash out up to $2M

No ownership seasoning requirement for cash-out refinance

Loan amount up to $2M

Gift Funds / Gift of Equity allowed

Perfect loan for borrowers who acquired investment properties paying all cash (recoup some cash) or borrowers who used hard money loans to acquire real estate.


Loan Terms

5/1 ARM – Interest only available

7/1 ARM

10/1 ARM

15 & 30 fixed

If you think your financial situation makes sense for qualifying for a loan, contact Pacific Home Loans – Email us today or call Toll Free 866-389-2778 or local 808-891-0415 during business hours to see if one of our Common-Sense Underwriting loan programs is the loan you have been searching for.

Or if you’re ready to get started, click get Get Pre-Qualified to begin your loan application right away.